In a new blog post for the International Monetary Fund, four researchers presented their findings from a working paper that examines the current relationship between finance and tech as well as its potential future. Gazing into their crystal ball, the researchers see the possibility of using the data from your browsing, search, and purchase history to create a more accurate mechanism for determining the credit rating of an individual or business. They believe that this approach could result in greater lending to borrowers who would potentially be denied by traditional financial institutions.

It is important that usually your bank already has access to your complete purchase history (at least here in Mordor).

Microsoft and Google are collecting and selling all browsing history also (but not telling who it is), yet it is not very hard to match it with your ID. Apple is not selling it yet, but collect in databases and share with government.

https://gizmodo.com/your-credit-score-should-be-based-on-your-web-history-1845912592